Reviewers say Healthy Paws is a standout for several reasons. It doesn't cap benefits, a potential boon for particularly unfortunate pets, and it covers prescriptions as well as most congenital and hereditary problems. However, there's no option for routine care coverage and the price can be steeper than competitors' offerings, pet owners say.
No option for routine care coverage. Healthy Paws offers customizable accident, illness and injury coverage for dogs and cats after a 15-day waiting period. Pets must be between 8 weeks and 14 years old to get coverage. The plan covers hereditary and congenital conditions including hip dysplasia, but pets must be enrolled before the age of 6 and are subject to a 12-month waiting period for hip dysplasia coverage. Diagnostic tests and imaging, hospitalization, surgery and prescriptions are also covered. Pre-existing conditions are excluded, as is routine care. This includes veterinary exam fees, spaying and neutering, non-injury-related dental care, vaccinations and parasite control.
Unlimited lifetime benefits. Experts say there may be cheaper plans than Healthy Paws, but prices depend on several customizable options. Pet owners can choose from a $100, $200 or $500 annual deductible and 70, 80 or 90 percent reimbursement level. There's no annual, lifetime or per-incident cap on benefits. Discounts include price cuts for members of employer-sponsored plans, animal welfare volunteers, active service members, alumni association members, and members of groups such as AAA and AARP. Discounts are also available if your pet is microchipped. Premiums are subject to "manageable" increases based on rising care costs, the company says.
Customer service goes the extra mile. Healthy Paws accepts claims via email, fax or mail. Most pet owners are satisfied with the claims process, saying it's relatively painless and reimbursements are quick. However, several complain that the company wrongly denies legitimate claims by branding them as pre-existing conditions even when there's little evidence of such. Still, customer service gets strong reviews across the board, with some owners saying representatives follow up to inquire about a pet's well-being or send sympathy cards after a loss. Experts praise Healthy Paws' easy-to-understand website, clear coverage explanations and thorough quote generator.
1. Canine Journal
Healthy Paws is the top-rated pet insurance plan here. It earns praise for customer service, few exclusions, its lack of lifetime limits, out-of-state coverage and coverage for hip dysplasia. However, it is noted that there are no options for wellness care or other maintenance visits, and that the company is relatively new and the policies are subject to change.
Review: Pet Insurance Comparison, Kimberly Kurimski, Feb. 3, 2016
Healthy Paws enjoys a lifetime rating of 9.8 out of 10 based on feedback from more than 2,500 customers. Many say they have fast, low-hassle claims and speedy reimbursements. Many praise customer service, but some complaints regarding claims difficulties can also be found.
Review: Healthy Paws Insurance, Contributors to PetInsuranceReview.com, As of May 2016
Healthy Paws ranks fourth on this list of the eight best pet insurers, with editors praising its easy-to-use website; simple, customizable plan; no-cap coverage; quick reimbursement; and strong customer service. The largest negative, they say, is that the company has not been in business as long as some others.
Review: Pet Insurance, Editors of TopConsumerReviews.com, Not dated
4. Pet Insurance University
Frances Wilkerson calls Healthy Paws a "strong underwriter" that offers coverage during out-of-state travels and a high lifetime maximum. Hereditary and congenital diseases, chronic diseases, hip dysplasia for younger pets and cancer are covered. Dental coverage is limited, however, and exam fees aren't covered for accidents, injuries and illnesses.
Review: A Vet's Review of Healthy Paws Pet Insurance, Frances Wilkerson, Not dated
Healthy Paws is the top are ranked pet insurance company here, and earns a 5 star rating based on 95 user reviews and ratings. Editors appreciate a low deductible, strong reimbursement, lack of restrictions for hereditary or congenital claims, comprehensive coverage including prescriptions and no-cap payouts. No negatives are cited, however, and the site notes that it is compensated by some of the companies it reviews, so the site is most valuable for the pet owner feedback that's posted here.
Review: Healthy Paws Pet Insurance, Editors of ConsumersAdvocate.org, Not dated